- Successfully underwrote +500 Non-QM home equity loan applications, resulting inimproved risk management and adherence to regulatory standards- In February 2024, awarded the "Better Exemplar Award" for exemplary contributions intraining, supporting management, enhancing production, and ensuring accuracy.- Remained a top producer 10% in the 1st half of 2024 as company loan production andoperational staff grew 3x.

- Assist in conducting initial assessment and restructuring of potential loans whilecollaborating with loan officers- Evaluate legal documents : credit reports, preliminary report, judgments, bankruptcy, andappraisals- Reviewed and processed items from third parties including home builders, appraisers,attorneys, and engineers.- Used discounted cash flow analysis, cost/benefit analysis, feasibility studies, large scalebusiness planning, and financial modeling to determine applicant loan eligibility

- Top producing Underwriter in 2020 with +2200 loans completed- Record holder for most loans completed by an underwriter in a month - March 2021 (+425 loans) - Record holder for 2nd most loans completed by an underwriter in a month - April 2021 (+400 loans)- Maintained a below .05% average QC error rate - Recognized multiple times by management for selflessness / dedication to helping fellow team members- Worked with management and programmers to optimize internal system tasks - Tested and analyzed internal system changes and provided feedback for improvements/changes- Trained, mentored and developed two loan processors into dynamic and self-sufficient Underwriters- Assisted in monthly self-employed, credit and asset review training presentations for new Underwriters- Created a shared excel sheet that could pull commonly used task/phrases through short codes, reducing initial loan review times by 25%

- Performed underwriting analysis of complex loan requests including the analysis of member tax returns, business returns and financials and grant final approval within delegated authority- Completed Ad Hoc analysis of various forms of cash flow and income- Assisted in the development of departmental policies and procedures- System Testing: Work with system developers and designers to identify, diagnose, and document problems and errors in specific components constantly evolving internal program

- Review corporate tax returns, balance sheets and cash flow statements for need analysis- Determine additional requirements and create detailed reports summarizing current financial picture of applicants

- Managed internal spreadsheet data and created initial client credit profile; assisted management and sales team collect valuable information from various doc files.- Created an Excel-based loan tracking system utilized by management to analyze daily production and sources of inefficiencies- Tested, implemented and improved new loan database management system - Responsible for final due diligence on all aspects of consumer and commercial lendingfor recently funded loans

- Analyzed and updated 200 loan applications per month for several departments: sales, management, legal, appraisal, documentation and funding- Reviewed and coordinated "loan conditions" between departments such as title, appraisal, underwriting and documentation - Used discounted cash flow analysis, cost/benefit analysis, feasibility studies, large scale business planning, and financial modeling to determine applicant loan eligibility

- Managed teams of 4 to 10 appraisers to develop valuation of school districts and universities- Used GAAP accepted depreciation accounting methods to create insurable values for assets- Appraised over 110 billion dollars worth of buildings, land and moveable assets- Reduced office time by 50% by using MS Excel functions such as pivot tables and macros

- Developed and maintained new customer relationships through quality customer service- Opened new checking accounts, processed deposits and withdrawals